And maybe @David Krulac has some further ideas to offer ...

For future readers, many banks will offer an unsecured line of credit up to $25k.

Portsmouth, known for its historic charm, offers higher prices but strong demand for both multifamily properties and short-term rentals, with premium rental rates for well-located properties.

Smaller or Partial Deals – You could fund lower-priced flips or offer gap funding (covering down payments, rehab costs) alongside a hard money loan. 4.

Single-family homes offer higher cash flow, lower maintenance, and potential equity growth, but may have less privacy and slower unit growth.Good luck!

@Matt SchreiberWe always joke, "if you pay cash, everything cash flows"....There are still opportunities out there and we've been able to get way off of asking for clients here in Reno, NV with the right seller and right offer. 

Depending on how it is done and what guarantees the government offers and requires of the released entities, interest rates could move slightly higher.

However short contract period allows you to pursue other avenues to sell if the wholesaler can't execute on the terms they offered.

The good news is that real estate offers countless opportunities, even in higher-cost areas, to build wealth and achieve your goals.

If someone offered to finance this house to you at your current rates if you put down $250k would you do it?